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Posted: Sun Sep 06, 2009 7:53 am
by team
HI,
DOOR STEP COLLECTIONS.
HI IVE PROVIDED MY IP WITH ALL THE SIGNED AND NECESSARY DOCS FOR IVA APPLICATION , HOWEVER MERCERS[A COLLECTOR FOR BARCLAYCARD] HAVE BEEN CALLING REQUESTING STALLING PAYMENTS, WHILE MY IVA GETS APPROVED , TO PREVENT DOOR STEP COLLECTORS, SOMETHING WHICH DOESNT BOTHER ME AT ALL AS I KNOW WHAT COMMENT THEY WILL RECEIVE BUT IT TERRIFIES MY WIFE AND I HAVE TO RESPECT THAT. DO I PAY THE STALLING PAYMENTS????
Posted: Sun Sep 06, 2009 8:24 am
by kallis3
Whilst Mercers do sometimes send debt collectors round, it is very rare and the collectors are very polite and once you explain you are going for an IVA they will go away and leave you alone.
You do not have to answer the door to them, and you do not have to make a payment to them.
It is up to you whether you make a token payment to them, but if you do, then you should send one to the others as well so that you are not preferring one creditor over another.
Posted: Sun Sep 06, 2009 8:26 am
by Julie
Hi there - this is just Mercers using bully boy tactics. Just tell them you are proposing an IVA and no payments will be made until it is accepted.
As they well know if you make any payments to them, then you can be deemed as favouring one creditor over another.
Very rarely do they send anyone out, but if they do, politely tell the collector...on the doorstep....that you are proposing an IVA. I bet you'll find the doorstep collector if he/she turns up, is much nicer than the people on the end of the phone.
Try not to be intimidated.
Posted: Sun Sep 06, 2009 11:04 am
by bic
hi it is just bullying tactics from mercers, they did send door step collectors to my house twice from 2 differnet companies . i know it is not nice but i told them i was in an iva and they just left.
cath
Posted: Sun Sep 06, 2009 2:29 pm
by plasticdaft
The doorstep collectors know the difference between someone proposing an IVA as they cannot pay and someone who tells them they are proposing an IVA as they dont want to pay.
Dont pay them a bean.
Paul
Posted: Sun Sep 06, 2009 9:01 pm
by team
thankyou all for your responses, and my gut instinct was not to pay them.however i paid them a small amount as i didnt want anyone upsetting myn wife while im at work.
will this affect my iva proposal as i havnt made token payments to other creditors???
Posted: Mon Sep 07, 2009 7:59 am
by size5
No, it will make no difference at all to your proposal.
Good luck and let us know how you get on.
Regards.
Posted: Mon Sep 07, 2009 8:42 am
by Skippy
Sorry to hear you're having problems with Mercers. As the others have said they rarely send anyone round.
Good luck with your IVA proposal x
Posted: Mon Sep 07, 2009 8:51 am
by Shining
I used to get the same threats and they scared me. Nobody came to me bit I always gave them my IP's full details and I never paid a penny. Hope it's sorted for you very soon and hope the above reassures your wife.
Posted: Mon Sep 07, 2009 9:33 am
by Debtwitch
Hi Team
Token payments make little difference to the outcome of the IVA.
Hope you're meeting's soon to put both your minds at rest.
Posted: Mon Sep 07, 2009 7:49 pm
by team
thankyou all very much once again.